Intercarolina Intercarolina Financial Services, Inc. (IFS) values you as a customer and respects your privacy .  Pursuant to Title V of the Gramm-Leach-Bliley Act and the United States Securities and Exchange Commission (SEC) Regulation S-P, this document sets forth the Privacy Policy of our firm concerning the privacy interest of individual consumers and customers of financial services.  As a full service broker-dealer, we recognize that you purchase products and services because you trust that we stand behind our promises in accordance with the laws, rules and regulations applicable to broker-dealers and the business conducted by securities firms.  In turn, we pledge our commitment to treating your information responsibly.  IFS has established the following policies to assure you that we are committed to protecting your privacy.

 

HOW DO WE PROTECT THE CONFIDENTIALLY AND SECURITY OF YOUR INFORMATION?

 

We maintain physical, electronic and procedural safeguards to ensure your personal information is treated responsibly and in accordance with our privacy policy.  WE also restrict access to your personal information within our organization to those employees who need to know that information to provide services to you or to conduct IFS business.

 

Employees who have access to customer information may use it only for legitimate business purposes.  Additionally, we safeguard customer information in accordance with applicable data security regulations.

 

WHAT PERSONAL INFORMATION DO WE COLLECT ABOUT YOU?

 

We collect information about you from the following sources:

Information we receive from you on your new account and other forms;

Information about your securities transaction with us or other   nonaffiliated third parties, i.e. insurance companies, mutual funds, etc.;

Depending on the product or services you are requesting, information for consumer reporting agencies, medical

                    providers, or others.

 

 

 

 

WHAT CATEGORIES OF INFORMATION DO WE DISCLOSE AND TO WHOM?

 

We may disclose the following information to  entities that perform administrative services on our behalf or as required or permitted by the law for legal, regulation or other purposes or with your consent:

 

                 Information we receive from you on applications or other legal forms, such as your name, address, social security number, family member information, assets, income, and property locations and values.

 

                  Information about your transaction with us, our affiliates, or others, such as your account balance, payment history, shares you purchase, preferences, and the method of your payment.

 

                  If required for the products you select, information we receive from consumer reporting agencies and other sources, such as your credit worthiness, employment information.

 

In certain special situations, we may share some of your personal information with non-affiliated third parties, including other financial institutions and services providers with which IFS has an agreement to do directed business for the benefit of the customer with, i.e. mutual funds, insurance companies, etc. as required by law or legal process, or with your consent.

 

IFS DOES NOT SELL YOUR NONPUBLIC PERSONAL INFORMATION

 

FORMER CUSTOMERS

IFS will disclose nonpublic personal information about former customers of IFS only as permitted or required by law or legal process with your consent.

 

We value our customers and want you to understand how we use the information we collect.  Please contact us at 800-326-3705 if you have any questions about our privacy policy.

 

This privacy statement describes our privacy practices for both current and former customers.  We will provide one copy of this notice to all customers.

IFS reserves the right to change this Privacy Policy at any time.